Canadian housing market to moderate in 2019 but growth to continue in Ontario and Toronto

By Wayne Karl

Canada’s housing market should see a moderation in both housing starts and sales, while home prices are expected to reach levels that are more in line with economic fundamentals such as income, job and population growth. This forecast for 2019 and 2020 is drawn from the 2018 Housing Market Outlookfrom the Canada Mortgage and Housing Corp. (CMHC).

Source: CMHC Housing Market Outlook

Nationally, CMHC’s outlook for 2019 projects total housing starts to edge down and range between 193,700 to 204,500, with the downward trend expected for both single and multi-unit starts. MLS sales are expected to be between 478,400 and 497,400 units annually while MLS prices should lie between $501,400 and $521,600.

“Our key takeaway from this year’s outlook is moderation in Canada’s housing markets for 2019 into 2020,” says Bob Dugan, chief economist, CMHC. “Housing starts are expected to decline from the higher levels we’ve seen recently. We expect resales in 2019 and 2020 to remain below recent peaks while prices should reach levels that are more in line with economic fundamentals such as income, job and populations growth.”

Ontario recovery

After dampened market activity in 2018, existing home sales and housing starts in Ontario, particularly in single-family homes, will post a partial recovery in 2019. Buyers are expected to re-enter the market on the strength of stronger than expected job growth and in-migration, before the downward trend in starts and sales resumes in 2020.

Source: CMHC Housing Market Outlook

GTA growth

With balanced conditions prevailing in the GTA, CMHC expects moderate sales growth and home prices growing in line with inflation. The rising costs of homeownership will result in strong rental demand, while new supply will add some upward pressure on vacancy rates. Toronto buyers should see more housing choices as builders concentrate their efforts on new highrise projects.

OTHER REGIONAL HIGHLIGHTS

BRITISH COLUMBIAHousing starts activity and MLS sales in BC should moderate, as economic and population growth slows while MLS average prices are expected to see a flatter growth profile through 2020.

VancouverOver the next two years, Metro Vancouver’s resale market will see lower sales, higher inventories of homes for sale and lower home prices compared with recent market highs. Through 2018, demand and home prices softened across all market segments and local geographies.

PRAIRIESBuyers’ market conditions in Alberta and Saskatchewan should gradually shift to a balanced market with gradual improvement in economic and demographic fundamentals. Balanced market conditions in Manitoba are expected to continue.

CalgaryVarious factors will push and pull the demand for housing in Calgary in 2019 and 2020. Calgary’s economy will experience stronger growth in population and employment. This will help support demand and lift sales in 2019 and 2020. However, the average MLS price will continue to face downward pressure but is expected to stabilize in 2019 and modestly rise in 2020.

QUEBECHousing starts and sales of existing homes will both be sustained, however, slower economic growth and rising borrowing costs will moderate activity through 2020. Starts will continue to be dominated by the apartment market segment, while demand for resale single-detached homes will remain relatively strong.

MontrealIn 2018 and 2019, rental housing demand will increase slightly faster than supply in Montreal, which will put some downward pressure on the vacancy rate. Demand will be supported by rising net migration over the forecast horizon.

ATLANTIC CANADAThe Atlantic region will see sustained activity, notably in Nova Scotia, where existing home sales and average prices should trend higher while rental demand will drive growth in apartment construction.

The Chinese New Year of the Earth Yin Pig rolls in on Feb. 5, and it brings with it a year of abundance and blessings. A year full of love, joy and goodness. Pigs have a beautiful personality and are blessed with good fortune in life.

Cosentino is a global, family-owned company that produces and distributes high value innovative surfaces for the world of architecture and design, leaders in their respective segments such as Silestone® Quartz surfaces and Dekton® Ultracompact surfaces. Technologically advanced surfaces that create unique designs for the home and public spaces.

Established in 1987, Caesarstone pioneered the original quartz surface and continues to be a leading developer and manufacturer of premium surfaces. Highly functional and design forward, Caesarstone surfaces have endless application possibilities including kitchen countertops, bathroom vanities, wall paneling, furniture and more.

We've been proudly serving the community for more than 160 years. We deliver natural gas safely and reliably to two million homes and businesses across Ontario. With safety as our ongoing priority, we're committed to making communities better places to live.

Fusion Stone is an easy and budget-friendly way to beautifully upgrade your home, inside and out. A patented Shouldice innovation, Fusion Stone is a thin stone veneer that is easily installed with the included stainless steel clips & screws. You just screw it to the wall and it’s “Hooked for Life”.

Through our customer feedback, we have learned the importance of ‘service’. You said and we listened. We addressed your needs and improvised; bringing you services and quality no one in the industry offers.

With over 90 years of experience, BLANCO is the leading kitchen sinks and faucets manufacturer. From handcrafted in Germany Steelart® sinks and the beauty of Silgranit®, to the European design faucets, BLANCO products are celebrated worldwide for their unmatched quality and design. Blanco Silgranit® sinks are proudly manufactured in Canada TRADE ONLY.

SFA SANIFLO INC. (“SANIFLO”) is the only manufacturer of its kind in North America offering a complete line of macerating toilet systems for residential and light-commercial applications where installation of plumbing fixtures with below-floor drainage is impossible or cost-prohibitive.

Created by fusion of exceptional design, superior quartz quality and cutting-edge technology, HansStone Quartz weaves together intriguing patterns and colours inspired by the diverse Canadian landscape.

Fisher & Paykel incorporates the world’s most innovative technologies and produce the most technically advanced, efficient and contemporary styled appliances. DCS created the first line of high end, commercial quality appliances and expanded to pioneer indoor and outdoor kitchen solutions for the at home chef. TRADE ONLY.

Since 1989 Men At Work has specialized in renewing and enlarging older houses in core Toronto neighbourhoods. We are experts in managing the challenges of renovating sensitive old buildings into beautiful, functional, comfortable living spaces.

Sharing Passion & Performance. With our unique expertise and sensibilities, gained from our devotion to sound and music, we are committed to creating excitement and cultural inspiration together with people around the world.

X-Tile is sure to have whatever you need to express your unique individual style. We offer you an exceptional variety of wall and flooring options in ceramic, porcelain, natural stone, glass, mosaic and much more from leading suppliers around the world. Let our knowledgeable and friendly staff help you in your dream renovation or building project.

Euro-Line Appliances has brought elite European engineered appliances to Canadian homes for over 25 years. Our brands exceed expectations and have earned awards in design, engineering, performance, and energy efficiency. All of our cooking, refrigeration, dishwashers, and laundry appliances are created to conserve our non-renewable resources.

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Grillo, who has been in the forefront of shaping personal injury litigation in the GTA for the past 30 years, observes that you have certain rights under the Occupier’s Liability Act when injured in a slip and fall accident in a shopping mall through no fault of your own.

SFA SANIFLO INC. (“SANIFLO”) is the only manufacturer of its kind in North America offering a complete line of macerating toilet systems for residential and light-commercial applications where installation of plumbing fixtures with below-floor drainage is impossible or cost-prohibitive.

Created by fusion of exceptional design, superior quartz quality and cutting-edge technology, HansStone Quartz weaves together intriguing patterns and colours inspired by the diverse Canadian landscape.

Slip and fall accidents in shopping malls are quite common, the major causes being chipped or cracked floors, water tracked in from outside by other shoppers, slippery surfaces, wrinkled carpets, unmarked freshly mopped floors, leaks and improper lighting. They can also be caused by building code violations such as lack of handrails, defects in escalators such as broken entry maps and misaligned handrails, spilled foods or cleaning chemicals, and even being shoved or pushed by other shoppers at crowded events such as a Black Friday sale. According to Salvatore Grillo, founder and principal at Grillo Barristers Personal Injury Lawyers, shopping malls and stores have a responsibility to provide a safe and secure environment.
Grillo, who has been in the forefront of shaping personal injury litigation in the GTA for the past 30 years, observes that you have certain rights under the Occupier’s Liability Act when injured in a slip-and-fall accident in a shopping mall through no fault of your own. These include:

A right to seek compensation for damages

You have a right to seek compensation for both pecuniary and non-pecuniary damages. Pecuniary damages are those that can be quantified in monetary terms such as medical expenses, lost wages and property repair or replacement. The Ontario Court of Appeal has made an effort to explain pecuniary damages in McIntyre v. Docherty as “pecuniary damages are generally assessed on the basis of calculable losses for items such as the plaintiff's prospective loss of earnings and profits and costs of future care, as well as other expenses.” Past and future medical expenses fall here. The Court explains non-pecuniary damages as, “In contrast, non-pecuniary damages cannot be arithmetically calculated because they compensate the plaintiff for intangible losses arising from physical and psychological pain and suffering as well as from any loss of amenities or expectations of life.”
According to Section 3 (1) of the law, the occupier is required to “offer duty of care to visitors and their property. This duty of care applies whether the danger is as a result of the condition of the premises or by an activity that has been undertaken on the premises.” You must prove that the occupier had knowledge that the hazard existed. You cannot sue, as an example, if the accident is as a result of a drink spill in a restaurant that occurred only seconds before the fall (before the restaurant could clean it up).

Willful assumption of risk

Note that you are not entitled to compensation if you willingly assumed the risk that led to your accident. This notwithstanding, Section 4 (1) of the law states that the occupier still has a “duty to not create a danger with deliberate attempt to cause damage or harm to the person or his/her property and to not act in reckless disregard to your person or property.” As an example, if you ignore posted warning signs or fail to take reasonable precautions while engaging in an activity at the shopping mall, you may not qualify for compensation and even if you do, the settlement will be reduced by a percentage representing your fault/responsibility.

Direct contractors

According to Section 5 (2) of the act, you are not entitled to compensation if you are working at the building on contract such as if you are doing repairs or maintenance or are a construction worker unless this is expressly provided for in the contract.

Employees of independent contractors

Section 6 (1) touches on liability where the slip and fall injury occurs while working for an independent contractor contracted by the occupier such as a cleaning company. In such a case, compensation should be sought from the contractor.

Common areas under storeowners

If a store owner is exclusively responsible for a particular common area, then he/she has the same duty of care as that of the occupier under the Act in as far as the common area is concerned.

Tenancy agreement detailing the landlord’s duty to maintain the building

If the tenancy agreement states that it is the responsibility of the landlord to maintain and repair the shopping mall, then the duty of care shifts from the occupier to the landlord.

Exception: Crown/municipal occupier

If the occupier is a municipal corporation or the Crown, there are exceptions. This is done to protect the government from crippling liability claims.

Right to take the claim to court

If you are not satisfied with the settlement you get from the Occupier’s insurer, you have a right to go for mediation. If the outcome of the mediation does not please you, you have the right to take the claim to court where a judge or a jury of your peers will determine fault and award compensation.

Fusion Stone is an easy and budget-friendly way to beautifully upgrade your home, inside and out. A patented Shouldice innovation, Fusion Stone is a thin stone veneer that is easily installed with the included stainless steel clips & screws. You just screw it to the wall and it’s “Hooked for Life”.

We've been proudly serving the community for more than 160 years. We deliver natural gas safely and reliably to two million homes and businesses across Ontario. With safety as our ongoing priority, we're committed to making communities better places to live.

Slip and fall accidents in shopping malls are quite common, the major causes being chipped or cracked floors, water tracked in from outside by other shoppers, slippery surfaces, wrinkled carpets, unmarked freshly mopped floors, leaks and improper lighting. They can also be caused by building code violations such as lack of handrails, defects in escalators such as broken entry maps and misaligned handrails, spilled foods or cleaning chemicals, and even being shoved or pushed by other shoppers at crowded events such as a Black Friday sale. According to Salvatore Grillo, founder and principal at Grillo Barristers Personal Injury Lawyers, shopping malls and stores have a responsibility to provide a safe and secure environment.
Grillo, who has been in the forefront of shaping personal injury litigation in the GTA for the past 30 years, observes that you have certain rights under the Occupier’s Liability Act when injured in a slip-and-fall accident in a shopping mall through no fault of your own. These include:

A right to seek compensation for damages

You have a right to seek compensation for both pecuniary and non-pecuniary damages. Pecuniary damages are those that can be quantified in monetary terms such as medical expenses, lost wages and property repair or replacement. The Ontario Court of Appeal has made an effort to explain pecuniary damages in McIntyre v. Docherty as “pecuniary damages are generally assessed on the basis of calculable losses for items such as the plaintiff's prospective loss of earnings and profits and costs of future care, as well as other expenses.” Past and future medical expenses fall here. The Court explains non-pecuniary damages as, “In contrast, non-pecuniary damages cannot be arithmetically calculated because they compensate the plaintiff for intangible losses arising from physical and psychological pain and suffering as well as from any loss of amenities or expectations of life.”
According to Section 3 (1) of the law, the occupier is required to “offer duty of care to visitors and their property. This duty of care applies whether the danger is as a result of the condition of the premises or by an activity that has been undertaken on the premises.” You must prove that the occupier had knowledge that the hazard existed. You cannot sue, as an example, if the accident is as a result of a drink spill in a restaurant that occurred only seconds before the fall (before the restaurant could clean it up).

Willful assumption of risk

Note that you are not entitled to compensation if you willingly assumed the risk that led to your accident. This notwithstanding, Section 4 (1) of the law states that the occupier still has a “duty to not create a danger with deliberate attempt to cause damage or harm to the person or his/her property and to not act in reckless disregard to your person or property.” As an example, if you ignore posted warning signs or fail to take reasonable precautions while engaging in an activity at the shopping mall, you may not qualify for compensation and even if you do, the settlement will be reduced by a percentage representing your fault/responsibility.

Direct contractors

According to Section 5 (2) of the act, you are not entitled to compensation if you are working at the building on contract such as if you are doing repairs or maintenance or are a construction worker unless this is expressly provided for in the contract.

Employees of independent contractors

Section 6 (1) touches on liability where the slip and fall injury occurs while working for an independent contractor contracted by the occupier such as a cleaning company. In such a case, compensation should be sought from the contractor.

Common areas under storeowners

If a store owner is exclusively responsible for a particular common area, then he/she has the same duty of care as that of the occupier under the Act in as far as the common area is concerned.

Tenancy agreement detailing the landlord’s duty to maintain the building

If the tenancy agreement states that it is the responsibility of the landlord to maintain and repair the shopping mall, then the duty of care shifts from the occupier to the landlord.

Exception: Crown/municipal occupier

If the occupier is a municipal corporation or the Crown, there are exceptions. This is done to protect the government from crippling liability claims.

Right to take the claim to court

If you are not satisfied with the settlement you get from the Occupier’s insurer, you have a right to go for mediation. If the outcome of the mediation does not please you, you have the right to take the claim to court where a judge or a jury of your peers will determine fault and award compensation.

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Slip and fall accidents in shopping malls are quite common, the major causes being chipped or cracked floors, water tracked in from outside by other shoppers, slippery surfaces, wrinkled carpets, unmarked freshly mopped floors, leaks and improper lighting. They can also be caused by building code violations such as lack of handrails, defects in escalators such as broken entry maps and misaligned handrails, spilled foods or cleaning chemicals, and even being shoved or pushed by other shoppers at crowded events such as a Black Friday sale. According to Salvatore Grillo, founder and principal at Grillo Barristers Personal Injury Lawyers, shopping malls and stores have a responsibility to provide a safe and secure environment.
Grillo, who has been in the forefront of shaping personal injury litigation in the GTA for the past 30 years, observes that you have certain rights under the Occupier’s Liability Act when injured in a slip-and-fall accident in a shopping mall through no fault of your own. These include:

A right to seek compensation for damages

You have a right to seek compensation for both pecuniary and non-pecuniary damages. Pecuniary damages are those that can be quantified in monetary terms such as medical expenses, lost wages and property repair or replacement. The Ontario Court of Appeal has made an effort to explain pecuniary damages in McIntyre v. Docherty as “pecuniary damages are generally assessed on the basis of calculable losses for items such as the plaintiff's prospective loss of earnings and profits and costs of future care, as well as other expenses.” Past and future medical expenses fall here. The Court explains non-pecuniary damages as, “In contrast, non-pecuniary damages cannot be arithmetically calculated because they compensate the plaintiff for intangible losses arising from physical and psychological pain and suffering as well as from any loss of amenities or expectations of life.”
According to Section 3 (1) of the law, the occupier is required to “offer duty of care to visitors and their property. This duty of care applies whether the danger is as a result of the condition of the premises or by an activity that has been undertaken on the premises.” You must prove that the occupier had knowledge that the hazard existed. You cannot sue, as an example, if the accident is as a result of a drink spill in a restaurant that occurred only seconds before the fall (before the restaurant could clean it up).

Willful assumption of risk

Note that you are not entitled to compensation if you willingly assumed the risk that led to your accident. This notwithstanding, Section 4 (1) of the law states that the occupier still has a “duty to not create a danger with deliberate attempt to cause damage or harm to the person or his/her property and to not act in reckless disregard to your person or property.” As an example, if you ignore posted warning signs or fail to take reasonable precautions while engaging in an activity at the shopping mall, you may not qualify for compensation and even if you do, the settlement will be reduced by a percentage representing your fault/responsibility.

Direct contractors

According to Section 5 (2) of the act, you are not entitled to compensation if you are working at the building on contract such as if you are doing repairs or maintenance or are a construction worker unless this is expressly provided for in the contract.

Employees of independent contractors

Section 6 (1) touches on liability where the slip and fall injury occurs while working for an independent contractor contracted by the occupier such as a cleaning company. In such a case, compensation should be sought from the contractor.

Common areas under storeowners

If a store owner is exclusively responsible for a particular common area, then he/she has the same duty of care as that of the occupier under the Act in as far as the common area is concerned.

Tenancy agreement detailing the landlord’s duty to maintain the building

If the tenancy agreement states that it is the responsibility of the landlord to maintain and repair the shopping mall, then the duty of care shifts from the occupier to the landlord.

Exception: Crown/municipal occupier

If the occupier is a municipal corporation or the Crown, there are exceptions. This is done to protect the government from crippling liability claims.

Right to take the claim to court

If you are not satisfied with the settlement you get from the Occupier’s insurer, you have a right to go for mediation. If the outcome of the mediation does not please you, you have the right to take the claim to court where a judge or a jury of your peers will determine fault and award compensation.

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Grillo, who has been in the forefront of shaping personal injury litigation in the GTA for the past 30 years, observes that you have certain rights under the Occupier’s Liability Act when injured in a slip and fall accident in a shopping mall through no fault of your own.

As part of the premium collection at the Residences at Hunters Pointe, all new home buyers of the Riverside release will receive $25,000 off the purchase of a luxury, single-detached, custom home, for a limited time only.

Now that the holiday season is over, Canadians can now look forward to tax season. For many, it’s often a scramble to get their return completed before the deadline, so that they avoid paying any penalties.

Sharing Passion & Performance. With our unique expertise and sensibilities, gained from our devotion to sound and music, we are committed to creating excitement and cultural inspiration together with people around the world.

Since 1989 Men At Work has specialized in renewing and enlarging older houses in core Toronto neighbourhoods. We are experts in managing the challenges of renovating sensitive old buildings into beautiful, functional, comfortable living spaces.

Fusion Stone is an easy and budget-friendly way to beautifully upgrade your home, inside and out. A patented Shouldice innovation, Fusion Stone is a thin stone veneer that is easily installed with the included stainless steel clips & screws. You just screw it to the wall and it’s “Hooked for Life”.

Established in 1987, Caesarstone pioneered the original quartz surface and continues to be a leading developer and manufacturer of premium surfaces. Highly functional and design forward, Caesarstone surfaces have endless application possibilities including kitchen countertops, bathroom vanities, wall paneling, furniture and more.

Euro-Line Appliances has brought elite European engineered appliances to Canadian homes for over 25 years. Our brands exceed expectations and have earned awards in design, engineering, performance, and energy efficiency. All of our cooking, refrigeration, dishwashers, and laundry appliances are created to conserve our non-renewable resources.

Created by fusion of exceptional design, superior quartz quality and cutting-edge technology, HansStone Quartz weaves together intriguing patterns and colours inspired by the diverse Canadian landscape.

Through our customer feedback, we have learned the importance of ‘service’. You said and we listened. We addressed your needs and improvised; bringing you services and quality no one in the industry offers.

With over 90 years of experience, BLANCO is the leading kitchen sinks and faucets manufacturer. From handcrafted in Germany Steelart® sinks and the beauty of Silgranit®, to the European design faucets, BLANCO products are celebrated worldwide for their unmatched quality and design. Blanco Silgranit® sinks are proudly manufactured in Canada TRADE ONLY.

X-Tile is sure to have whatever you need to express your unique individual style. We offer you an exceptional variety of wall and flooring options in ceramic, porcelain, natural stone, glass, mosaic and much more from leading suppliers around the world. Let our knowledgeable and friendly staff help you in your dream renovation or building project.

SFA SANIFLO INC. (“SANIFLO”) is the only manufacturer of its kind in North America offering a complete line of macerating toilet systems for residential and light-commercial applications where installation of plumbing fixtures with below-floor drainage is impossible or cost-prohibitive.

We've been proudly serving the community for more than 160 years. We deliver natural gas safely and reliably to two million homes and businesses across Ontario. With safety as our ongoing priority, we're committed to making communities better places to live.

Cosentino is a global, family-owned company that produces and distributes high value innovative surfaces for the world of architecture and design, leaders in their respective segments such as Silestone® Quartz surfaces and Dekton® Ultracompact surfaces. Technologically advanced surfaces that create unique designs for the home and public spaces.

Fisher & Paykel incorporates the world’s most innovative technologies and produce the most technically advanced, efficient and contemporary styled appliances. DCS created the first line of high end, commercial quality appliances and expanded to pioneer indoor and outdoor kitchen solutions for the at home chef. TRADE ONLY.

Grohe AG is Europe’s largest and the world’s leading single-brand manufacturer and supplier of sanitary fittings. We set our standards extremely high to ensure that every time you turn on a GROHE faucet or step into a GROHE shower you can feel the difference.

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